Enroll a card in 3D Secure

Last updated: June 25, 2025

3D Secure (3DS) provides an additional security layer for your cardholders when making online payments. Enabling 3DS on your cards reduces the chance of fraudulent transactions and chargebacks.

You must enroll physical cards and multi-use virtual cards in 3DS if they:

Were issued within the European Economic Area (EEA) or the UK
Can be used for online payments within the EEA or the UK

Information

Online transactions performed using physical cards or multi-use virtual cards that are not enrolled in 3DS are likely to be declined.

To comply with the Payment Services Directive 2 (PSD2) regulation, we support two-factor authentication (2FA). During your Issuing onboarding, choose one of the following two-factor authentication flows:

One-time password (OTP) sent through SMS and a password chosen by the cardholder
OTP sent through SMS and a security question and answer chosen by the cardholder

You can enroll cards in 3DS using the Dashboard and the API.

Sign in to the Dashboard.
Go to Issuing > Cards.
Select the card you want to enroll. You can search or use filters to help find the card.
Select Set up 3D Secure. This option is not displayed if the card is already enrolled.
Enter the required details.
Select Confirm.

Call the Enroll a card in 3DS endpoint, and provide the card ID as the {cardId} path parameter.

In the request body:

security_pair or password – Provide the cardholder's details, depending on your chosen 2FA option.
phone_number – Provide the phone number to send the OTP to.
locale – Optionally, provide the customer's locale as either en-US or fr-FR.

post

https://api.checkout.com/issuing/cards/{cardId}/3ds-enrollment


1{
2  "password": "Xtui43FvfiZ",
3  "locale": "en-US",
4  "phone_number": {
5    "country_code": "+1",
6    "number": "415 555 2671"
7  }
8}


1{
2  "security_pair": {
3    "question": "What is my favorite animal?",
4    "answer": "Dog"
5  },
6  "locale": "en-US",
7  "phone_number": {
8    "country_code": "+1",
9    "number": "415 555 2671"
10  }
11}


1{
2  "_links": {
3    "self": {
4      "href": "https://api.checkout.com/issuing/cards/crd_fa6psq42dcdd6fdn5gifcq1491/3ds-enrollment",
5      "actions": [
6        "GET"
7      ],
8      "types": [
9        "application/json"
10      ]
11    }
12  }
13}

If you receive a 202 response, the card was successfully enrolled in 3DS.

After enrolling a card, you can retrieve the enrollment details.

Information

You can use the Out-of-Band Authentication SDK for Android or iOS to perform 3DS authentication on cardholders from your app.

If your customer requests a change to their details, for example if they change their password or phone number, update the details of their enrolled card accordingly. You can do this using the Dashboard and the API.

Sign in to the Dashboard.
Go to Issuing > Cards.
Select the card you want to update the details for. You can search or use filters to help find the card.
Select Edit. This option is only displayed if the card is already enrolled.
Update the required details.
Select Save.

Call the Update a card's 3DS details endpoint, and provide the card ID as the {cardId} path parameter.

In the request body, update the required details.

patch

https://api.checkout.com/issuing/cards/{cardId}/3ds-enrollment


1{
2  "password": "Xtui43FvfiZ",
3  "locale": "en-US",
4  "phone_number": {
5    "country_code": "+1",
6    "number": "415 123 4567"
7  }
8}


1{
2  "security_pair": {
3    "question": "What is my favorite animal?",
4    "answer": "Dog"
5  },
6  "locale": "en-US",
7  "phone_number": {
8    "country_code": "+1",
9    "number": "415 123 4567"
10  }
11}


1{
2  "_links": {
3    "self": {
4      "href": "https://api.checkout.com/issuing/cards/crd_fa6psq42dcdd6fdn5gifcq1491/3ds-enrollment",
5      "actions": [
6        "GET"
7      ],
8      "types": [
9        "application/json"
10      ]
11    }
12  }
13}

Enroll a card in 3D Secure

Information

Enroll a card

Enroll a card in the Dashboard

Enroll a card using the API

Request example

Response example

Information

Update enrollment details

Update enrollment details in the Dashboard

Update enrollment details using the API

Request example

Response example